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LHV Group ASSTU:ASU0 -0.46%78 5-Year Yield-on-Cost % is 30.25 as of Aug. 22, 2026, which is 261% above its 10-year median of 8.37. GuruFocus rates STU:ASU0 with a GF Score™ of 78/100 and a GF Value™ of €3.28 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,248 Banks companies, LHV Group AS ranks better than 97.36% on this metric.
LHV Group AS's yield on cost for the quarter that ended in Jun. 2026 was 30.25.
The historical rank and industry rank for LHV Group AS's 5-Year Yield-on-Cost % or its related term are showing as below:
STU:ASU0'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.52 Med: 8.37 Max: 30.37
Current: 30.25
During the past 13 years, LHV Group AS's highest Yield on Cost was 30.37. The lowest was 3.52. And the median was 8.37.
STU:ASU0's 5-Year Yield-on-Cost % is ranked better than 97.36% of 1248
companies
in the Banks industry
Industry Median: 3.87
vs STU:ASU0: 30.25
LHV Group AS (STU:ASU0) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
LHV Group AS 5-Year Yield-on-Cost % Related Terms
STU:ASU0 vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, LHV Group AS's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
LHV Group AS 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, LHV Group AS's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where LHV Group AS's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of LHV Group AS is calculated as
LHV Group AS (STU:ASU0) has a 5-Year Yield-on-Cost % of 30.25 as of Aug. 22, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on LHV Group AS and its competitors. This is 261% above median its historical median of 8.37. Over the past decade, LHV Group AS's 5-Year Yield-on-Cost % has ranged from 3.52 to 30.37. According to the industry distribution chart, LHV Group AS ranks #33 out of 1248 companies in the Banks industry, placing it in the top 2.6%.
Is LHV Group AS's 5-Year Yield-on-Cost % too high?
LHV Group AS's current 5-Year Yield-on-Cost % of 30.25 is 261% above median its 10-year median of 8.37. Over the past 10 years, this metric has ranged from a low of 3.52 to a high of 30.37. The Banks industry median 5-Year Yield-on-Cost % is 3.87. LHV Group AS's value of 30.25 is 681.7% above this industry median. Based on the distribution chart, LHV Group AS ranks #33 out of 1248 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, LHV Group AS has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does LHV Group AS's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, LHV Group AS ranks #33 out of 1248 companies for 5-Year Yield-on-Cost %. This places LHV Group AS in the top 3% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.87. LHV Group AS's value of 30.25 is 681.7% above this benchmark. Historically, LHV Group AS's own 5-Year Yield-on-Cost % has ranged from 3.52 to 30.37 over the past decade. While the company's 10-year median is 8.37 vs. the industry median of 3.87, LHV Group AS has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,248 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LHV Group AS's current 5-Year Yield-on-Cost % of 30.25 is 681.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on LHV Group AS and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LHV Group AS's current 5-Year Yield-on-Cost % is 30.25, which is 261% above median its own 10-year median of 8.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LHV Group AS stock overvalued right now?
Based on GuruFocus' analysis, LHV Group AS (STU:ASU0) is currently considered Fairly Valued. The stock's GF Value™ is €3.28, compared to a current price of €3.23 — trading 1.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 30.25, which is 261% above median its 10-year median of 8.37 and 681.7% above the Banks industry median of 3.87. LHV Group AS's overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For LHV Group AS (STU:ASU0), the current 5-Year Yield-on-Cost % is 30.25 as of Aug. 22, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is LHV Group AS (STU:ASU0) Overvalued in 2026?
Based on GuruFocus' analysis, LHV Group AS stock appears to be undervalued.
The current stock price of €3.23 is trading 1.5% below its estimated GF Value™ of €3.28.
GuruFocus considers LHV Group AS to be Fairly Valued.
Key valuation signals for STU:ASU0:
5-Year Yield-on-Cost %: 30.25 (261% above median its 10-year median of 8.37)
GF Value™: €3.28 vs. price of €3.23 (1.5% below fair value)
Industry Position: 681.7% above the Banks median (#33 of 1248)
No single metric tells the full story. See the STU:ASU0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LHV Group AS operates as a holding company. The Group provides a wide range of financial services, including banking, investment and asset management, insurance, and other financial services in Estonia and the United Kingdom. It operates through its subsidiaries: LHV Pank, LHV Bank, LHV Varahaldus, LHV Kindlustus, and Other. The LHV Pank segment, contributes the maximum share of the Group's revenue, includes retail and corporate banking services in Estonia, offering loans, payment solution, investment, and savings products. LHV Bank offers banking services to financial intermediaries and fintech companies, SME lending, and retail banking in the United Kingdom. LHV Varahaldus is engaged in pension fund and asset management. LHV Kindlustus offers a range of non-life insurance products.
78GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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